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Where Did the Starter Home Go?
The traditional ‘starter home’ – a modest detached home with a decent yard – has all but vanished from new construction in most of Canada’s urban centers. What first-time buyers can access today is fundamentally different from what was available to previous generations. From 1945 to 1980, starter homes were everywhere. Think post-war bungalows and…
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U.S. Intervention in Venezuela – Implications for Canadian Oil
The U.S. move to oust Venezuelan President Nicolás Maduro has sparked speculation that Washington could look to Venezuelan oil to reduce — or even replace — its reliance on Canadian crude oil imports. In practice, however, such a shift would be both difficult and unlikely. While Venezuela holds nearly 18 per cent of the world’s…
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Fed Resumes Treasury Purchases — But Don’t Call It Quantitative Easing
At its latest policy meeting, the Federal Reserve delivered a widely expected interest rate cut, but the more significant policy development was its move to resume purchases of Treasury securities. The central bank will buy roughly $20 billion in Treasury bills each month, with the aim of ensuring reserve balances grow in line with nominal…
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Untangling Agency Roles to Improve Canada’s National Housing Strategy
Canada’s National Housing Strategy (NHS) is a 10-year, $115+ billion plan launched in 2017 to improve access to safe, affordable, and inclusive housing. Its priorities are to: Improve housing outcomes for people in greatest need Create and renew housing supply across the country Reduce homelessness and core housing need Under the NHS, the federal government…
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Looking Back on a Milestone Year
As we close out 2025, we want to express our sincere thanks for your trust and partnership, not just over the past year, but the past 20. Your support makes it possible for us to continue delivering meaningful impact — helping Canadians achieve their goals and build a stronger financial future. The Year in Review…
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Why Bond Yields Are Defying Central Bank Moves
Markets are betting the Federal Reserve will cut interest rates again this week. Bond markets, however, haven’t got the message. Longer-term yields remain stubbornly high, and there’s no single explanation for the growing disconnect between what investors expect from the Fed and how bonds are actually trading. Since September 2024, the Fed has lowered its…
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What Can We Learn From the Dutch Social Housing Model?
Canada Mortgage and Housing Corporation (CMHC) recently highlighted the Dutch social housing model as a leading example of a large-scale, well-established system. Built around independent non-profit housing associations and funded primarily through rental income and loans, the model’s resilience was tested during the 2010-2011 Vestia collapse, when the Netherland’s largest social housing corporation suffered massive…
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